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Long Term Insurance for New
Immigrants to the United States ELIGIBILITY Persons who are non-US citizens, over the age of 14 days who are traveling to the United States for business, pleasure, to study or to immigrate, who have arrived in the United States within the 24 months prior to the proposed Effective Date, who have paid premium as outlined in the enrollment application, and who have completed the enrollment form in complete detail are eligible for Inbound Immigrant. The Company maintains its right to investigate to verify that the eligibility requirements have been met. If and whenever the Company discovers that the policy eligibility requirements have not been met, its only obligation is refund of premium. For the purposes of this program, persons between the ages of 14 days through 69 years are considered one class of Insured Person, and persons age 70 and over are considered another class of Insured Person. The eligibility date for Dependent Child(ren) of a Named Insured (as defined) shall be determined in accordance with the following: (1) If a Named Insured has Dependent Child(ren) on the date he or she is eligible for insurance; or (2) If a Named Insured acquires Dependent Child(ren) after the Effective date, such Dependent Child(ren) becomes eligible on the date the Insured acquires a Dependent Child who is within the limits of a dependent, unmarried child set forth in the "Definition" section of the policy. Dependent Child(ren) eligibility expires concurrently with that of the Named Insured. EFFECTIVE DATE Effective Date under the program shall become effective at 12:01 AM on the latest of the following dates: 1. The Named Insured’s departure from his home country; or EXPIRATION DATE The coverage provided with respect to the Named Insured shall terminate on the earliest of the following dates: 1. The date shown on the insurance confirmation card, for which the
premium is paid; or
"COVERED MEDICAL EXPENSES" means reasonable charges which are: 1) not in excess of Usual and Customary Charges; 2) not in excess of the maximum benefit amount payable per service as specified in the Schedule of Benefits; 3) made for services and supplies not excluded under the policy; 4) made for services and supplies which are a Medical Necessity; 5) made for services included in the Schedule of Benefits; and 6) in excess of the amount stated as a deductible, if any. Covered medical expenses will be deemed "incurred" only: 1) when the covered services are provided; and 2) when a charge is made to the Insured Person for such services."DEDUCTIBLE" means the amount stated in the Schedule of Benefits or any endorsement to the policy as a deductible. Such amount will be subtracted from the amount or amounts charged and otherwise payable as Covered Medical Expenses . The deductible will apply per occurrence (for each Injury or Sickness) as specified in the Schedule of Benefits. "DEPENDENT CHILD(REN)" means a Named Insured’s dependent, unmarried children living with the Named Insured. This includes stepchildren, legally adopted children and children of adopting parents pending adoption procedures. Children shall cease to be dependent on the first to occur of: (1) the end of the month in which they marry; or (2) the end of the month in which they attain the age of nineteen (19) years. The attainment of the limiting age will not operate to terminate the coverage of such child while the child is and continues to be both: (1) incapable of self-sustaining employment by reason of mental retardation or physical handicap; and (2) chiefly dependent upon the Insured Person for support and maintenance. Proof of such incapacity and dependency shall be furnished to the Company: 1) by the Named Insured; and 2) within 31 days of the child’s attainment of the limiting age. Subsequently, such proof must be given to the Inbound Immigrant April 2009 - 2 - GLB-9113361-B Company upon request following the child’s attainment of the limiting age. If a claim is denied under the policy because the child has attained the limiting age for dependent children, the burden is on the Insured Person to establish that the child is and continues to be handicapped as defined by subsection (1) and (2). "EXCESS PROVISION" means the plan benefits are payable for covered expenses not covered and payable by any other plan providing medical expense benefits. If there is no other valid and collectible benefits available from any other source, this plan will pay the covered expenses up to the limits of the policy. "HOME COUNTRY" means the country where the Insured Person’s Passport was issued. "HOSPITAL" means a licensed or properly accredited general Hospital which; 1) is open at all times; 2) is operated primarily and continuously for the treatment of and surgery for sick and injured person as inpatients; 3) is under the supervision of a staff of one or more legally qualified Physicians available at all times; 4) continuously provides on the premises 24 hour nursing service by Registered Nurses; 5) provides organized facilities for diagnosis and major surgery on the premises; and 6) is not primarily a clinic, nursing, rest or convalescent home, or an institution specializing in or primarily treating Mental and Nervous Disorders. "HOSPITAL CONFINED/HOSPITAL CONFINEMENT" means confined in a Hospital for at least 18 hours by reason of an Injury or Sickness for which benefits are payable. "INJURY" means bodily Injury: 1) directly and independently caused by specific accident which is unrelated to any pathological, functional, or structural disorder or Injury; 2) treated by a Physician within 30 days after the date of accident; and 3) which causes loss during the term of the policy. "INSURED PERSON" means: 1) the Named Insured; and 2) Dependent Child(ren) of the Named Insured, if: 1) the Dependent Child(ren) is properly enrolled in the program; and 2) the appropriate dependent premium has been paid. The term "Insured" also means Insured Person. "INTENSIVE CARE" means (1) a specifically designated facility of the Hospital that provides the highest level of medical care; and (2) which is restricted to those patients who are critically ill or injured. Such facility must be separate and apart from the surgical recovery room and from rooms, beds and wards customarily used for patient confinement. "MEDICAL EMERGENCY" means the occurrence of a sudden, serious and unexpected Sickness or Injury. In the absence of immediate medical attention, a reasonable person could believe this condition would result in: (1) Death; (2) Permanent placement of the Insured’s health in jeopardy; (3) Serious impairment of bodily functions; or (4) Serious and permanent dysfunction of any body organ or part. Expenses incurred for "Medical Emergency" will be paid only for Sickness or Injury which fulfills the above conditions. These expenses will not be paid for minor injuries or minor Sicknesses. "MEDICAL NECESSITY/MEDICALLY NECESSARY" means those services or supplies provided or prescribed by a Hospital or Physician which are: (1) Essential for the symptoms and diagnosis or treatment of the Sickness or Injury; (2) Provided for the diagnosis, or the direct care and treatment of the Sickness or Injury; (3) In accordance with the standards of good medical practice; (4) Not primarily for the convenience of the Insured, or the Insured’s Physician; and (5) The most appropriate supply or level of service which can safely be provided to the Insured. The Medical Necessity of being Hospital Confined means that: 1) the Insured requires acute care as a bed patient; and 2) the Insured cannot receive safe and adequate care as an outpatient. The policy only provides payment for services, procedures and supplies which in the judgement of the Company are a Medical Necessity. No benefits will be paid for expenses which are determined not to be a Medical Necessity, including any or all days of Hospital Confinement. "MENTAL AND NERVOUS DISORDER" means a Sickness that is a mental, emotional or behavioral disorder. "NAMED INSURED" means an eligible person who: 1) has completed an application; and 2) that application and the appropriate premium for coverage has been paid and accepted by the Administrator. "NEWBORN INFANT" means any child born of an Insured while that person is insured under the policy. Newborn Infants will be covered under the policy for the first 31 days after birth ONLY IF the Newborn Infant’s mother was both a) insured under the policy when the Newborn Infant was born and b) her pregnancy was a covered condition under the policy. Coverage for such child will be for Injury or Sickness, including medically diagnosed congenital defects, birth abnormalities, prematurity and nursery care; benefits will be the same as for the Insured Person who is the child’s parent. The Insured will have the right to continue such coverage for the child beyond the first 31 days. To continue coverage the Insured must, within the 31 days after the child’s birth:1) apply to us; and 2) pay the required additional premium for the continued coverage. If the Insured does not use this right as stated here, all coverage as to that child will terminate at the end of the first 31 days after the child’s birth. "PHYSICIAN" means a person, other than the Insured or a member of the Insured’s family, who holds a medical license or medical certificate. "PHYSIOTHERAPY" means any form of the following: physical or mechanical therapy; diathermy; ultra-sonic therapy; heat treatment in any form; manipulation or massage administered by a Physician. "PRE-EXISTING CONDITION" means the existence of symptoms within the six (6) months (12 months for Insured Persons 70 and older) immediately prior to the Insured Person’s Effective Date under the policy; any condition which originates, is diagnosed, treated or recommended for treatment within six (6) months (12 months for Insured Persons 70 and older) immediately prior to the Insured Person’s Effective Date under the policy; or congenital conditions. "PRESCRIPTION DRUGS" means: 1) prescription legend drugs; 2) compound medications of which at least one ingredient is a prescription legend drug; 3) any other drugs which under the applicable state or federal law may be dispensed only upon written prescription of a Physician; and 4) injectable insulin. "SICKNESS" means Sickness or disease of the Insured Person which causes loss, and originates while the Insured Person is covered under the policy. All related conditions and recurrent symptoms of the same or similar condition will be considered one Sickness. "SOUND, NATURAL TEETH" means natural teeth, the major portion of the individual tooth is present, regardless of fillings or caps; and is not carious, abscessed or defective. "USUAL AND CUSTOMARY CHARGES" means a reasonable charge which is: 1) usual and customary when compared with the charges made for similar services and supplies; and 2) made to persons having similar medical conditions in the locality of the Provider. No payment will be made under the policy for any expenses incurred which in the judgement of the Company are in excess of Usual and Customary Charges.
INJURY AND SICKNESS MEDICAL BENEFITS (PART A) Maximum Benefit Limit Per Sickness or Injury: Deductible Per Person Per Sickness or Injury: No Coinsurance applies.
BENEFIT MAXIMUM AMOUNT Emergency Evacuation $10,000 maximum benefit COMMON CARRIER ACCIDENTAL DEATH & DISMEMBERMENT (PART C) BENEFIT PRINCIPAL SUM Accidental Death & Dismemberment $25,000 A. MEDICAL EXPENSE BENEFITS – INJURY AND SICKNESS When a covered Injury or Sickness requires treatment by a Physician, the policy will provide benefits for the Usual and Customary Charges for Medically Necessary Covered Medical Expenses which exceed the deductible per person for each Injury or Sickness. Payment for any Covered Medical Expense will be no more than the Benefit Limit shown for it. The total payable for all Covered Medical Expenses will be no more than the Maximum Benefit Limit per Sickness or Injury. Benefits are subject to the Excess Provision. Covered Medical Expenses will be paid under the Schedule of Benefits for loss: 1) Due to Injury to an Insured Person provided that treatment by a
Physician: a) begins within 30 days after date of Injury; and b) is received
within 12 months (32 weeks for Insured Persons age 70 and over) after date
of Injury; or If a benefit is designated in the Schedule of Benefits, Covered Medical Expenses include: 1) Room and Board Expense: 1) daily semi-private room rate when Hospital
Confined; and 2) general nursing care provided and charged for by the
Hospital. 3) Hospital Miscellaneous Expenses: 1) while Hospital Confined; or 2) for pre-admission expenses for being Hospital Confined. Benefits will be paid for services and supplies such as: the cost of the operating room; laboratory tests; x-ray examination; anesthesia; drugs (excluding take home drugs) or medicines; therapeutic services; and supplies. 4) Physiotherapy (inpatient). 5) Surgery: Physician’s fees for inpatient surgery. Payment will be made based upon the surgical schedule as specified in the Schedule of Benefits. Covered medical expenses will be paid under this inpatient surgery benefit; or under the outpatient surgery benefit, but not for both. 6) Anesthetist Services: in connection with inpatient surgery. 7) Private Duty Nurse’s Services: 1) private duty nursing care only; 2) while Hospital Confined; 3) ordered by a licensed Physician; and 4) a Medical Necessity. General nursing care provided by the Hospital is not covered under this benefit. 8) Physician’s Visits: when Hospital Confined. Benefits are limited to one Physician’s visit per day. Benefits do not apply when related to surgery. Covered medical expenses will be paid under the inpatient benefit or under the outpatient benefit for Physician’s Visits but not both. 9) Pre-admission Testing: limited to routine tests such as: complete blood count; urinalysis; and chest x-ray. If otherwise payable under the policy, major diagnostic procedures such as: cat-scans; NMR’s; and blood chemistries will be paid under the "Hospital Miscellaneous" benefit. 10) Mental and Nervous Disorder (inpatient): the benefits and the maximum amounts are specified in the Schedule of Benefits. Benefits are limited to one Physician’s visit per day. 11) Surgery (outpatient): Physician’s fees for outpatient surgery. Payment will be made based upon the surgical schedule as specified in the Schedule of Benefits. Covered medical expenses will be paid under this outpatient surgery benefit; or under the inpatient surgery benefit, but not both. 12) Day Surgery Miscellaneous (Outpatient): in connection with outpatient day surgery; excluding non-scheduled surgery, and surgery performed in a Hospital emergency room, trauma center, Physician’s office, or clinic. Benefits will be paid for services and supplies such as: the cost of the operating room, laboratory tests and x-ray examinations including professional fees, anesthesia, drugs or medicines, therapeutic services and supplies. 13) Anesthetist (Outpatient): in connection with outpatient surgery. 14) Physician’s Visits (Outpatient): Includes injections administered during visit. Benefits do not apply when related to surgery or Physiotherapy. Covered medical expenses will be paid under the outpatient benefit or under the inpatient benefit for Physician’s visits but not both. 15) Medical Emergency Expenses (Outpatient): only in connection with a Medical Emergency as defined. Benefits will be paid for the use of the emergency room and supplies. 16) Radiation Therapy (Outpatient) 17) Chemotherapy (Outpatient) 18) Prescription Drugs (Outpatient) 19) Mental and Nervous Disorder (Outpatient): the benefits and the maximum amounts are specified in the Schedule of Benefits. Benefits are limited to one Physician’s visit per day. 20) Ambulance Service. 21) Braces and Appliances: 1) when prescribed by a Physician; and 2) a written prescription accompanies the claim when submitted. Replacement braces and appliances are not covered. Braces and appliances include durable, medical equipment which is equipment that: 1) is primarily and customarily used to serve a medical purpose; 2) can withstand repeated use; and 3) generally is not useful to a person in the absence of Injury or Sickness. No benefits will be paid for rental charges in excess of purchase price. 22) Consultant Physician Fees: when requested and approved by the attending Physician. 23) Dental Treatment: 1) performed by a Physician; and 2) made necessary by Injury to Sound, Natural Teeth. Routine dental care and treatment to the gums are not covered. 24) Alcoholism/Drug Abuse Treatment: the benefits and the maximum amounts are specified in the Schedule of Benefits. B. EMERGENCY EVACUATION The Company will pay benefits for covered expenses incurred up to a maximum of $10,000.00 if an Injury or Sickness commencing during the period of coverage results in the necessary emergency evacuation of the Insured Person. An Emergency Evacuation must be ordered by a legally licensed Physician who certifies that the severity of the Insured Person's Injury or Sickness warrants the emergency evacuation of the Insured Person. Benefits are subject to the Excess Provision. Emergency Evacuation means: a) the Insured Person's medical condition warrants immediate transportation from the place where the Insured Person is injured or sick to the nearest Hospital where appropriate medical treatment can be obtained; or b) after being treated at a local Hospital, the Insured Person's medical condition warrants transportation to the place where he or she resides to obtain further medical treatment or to recover; or c) both a) and b) above. Covered expenses are expenses, up to the maximum, for transportation, medical services and medical supplies necessarily incurred in connection with emergency evacuation of the Insured Person. All transportation arrangements made for evacuating the Insured Person must be by the most direct and economical route. Seven Corners Assist must make all arrangements and must authorize all expenses in advance for any Emergency Evacuation benefits to be payable. The Company reserves the right to determine the benefits payable, including reductions, if it is not reasonably possible to contact Seven Corners Assist in advance. Covered expenses must be: (a) recommended by the attending Physician; (b) required by the standard regulations of the conveyance transporting the Insured Person; and (c) authorized in advance by Seven Corners Assist. Transportation means any land, water or air conveyance required to transport the Insured Person during an emergency evacuation. Transportation includes, but is not limited to, air ambulance, land ambulance, and private motor vehicles. C. REPATRIATION OF REMAINS The Company will pay the reasonable covered expenses incurred to return the Insured Person's body to the Insured Person’s Home Country if he or she dies, not to exceed the maximum of $7,500.00. Benefits are subject to the Excess Provision. Seven Corners Assist must make all arrangements and must authorize all expenses in advance for any Repatriation of Remains benefits to be payable. The Company reserves the right to determine the benefits payable, including reductions, if it is not reasonably possible to contact Seven Corners Assist in advance. Covered expenses include, but are not limited to, expenses for embalming, cremation, coffins and transportation. D. HOME COUNTRY COVERAGE Incidental Trips to Your Home Country: This benefit covers the Insured Person for incidental trips to his or her Home country (30 days per 12 months of purchased coverage or pro rata thereof – example: approximately 2½ days per month of purchased coverage). Maximum benefit is reduced to $50,000 for any illness or injury occurring while on an incidental trip to the Home Country. E. INTERNATIONAL TRAVEL COVERAGE An insured person may travel to additional countries, other than the United States, up to a maximum of 30 days. You must purchase a minimum of 1 month of coverage. International travel coverage does not include travel back to the insured person’s home country, and it does not extend after your current expiration date. International travel must be utilized during your current Period of Coverage. F. COMMON CARRIER ACCIDENTAL DEATH AND DISMEMBERMENT INDEMNITY Accidental Death & Dismemberment Coverage shall apply only to covered accidents sustained by an Insured Person: 1. While riding as a passenger (but not as a pilot, operator or member of the crew) in or on (including getting in or out of, or on or off of):
2. By being struck down by any aircraft. The Company shall pay an indemnity determined from the Table of Losses below if an Insured Person sustains a loss stated therein resulting from Injury, provided that: (c) if more than one loss stated in said Table is sustained as the result of one accident, only one of the amounts so stated in said Table, the largest, shall be payable.
The term "loss" as used herein shall mean with regard to hands and feet, actual severance through or above wrist or ankle joints, and with regard to eyes, entire irrecoverable loss of sight. G. AGGREGATE LIMIT OF INDEMNITY The Aggregate Limit of Indemnity of $125,000 shall be the total limit of the Company’s liability for all indemnities payable under Accidental Death and Dismemberment Indemnity with respect to all classes of Insured Persons arising out of Injury sustained by two or more Insured Persons as the result of any one accident. If the total of such indemnity exceeds said Aggregate Limit of Indemnity, the Company shall not be liable to any one such Insured Person for a greater proportion of such Insured Person’s Indemnity afforded by the Accidental Death and Dismemberment Indemnity than said Aggregate Limit of Indemnity bears to the total Indemnities afforded by this Accident Death and Dismemberment Indemnity to all such Insured Persons. H. EXCESS PROVISION All benefits, except Accidental Death and Dismemberment, shall be in excess of all other valid and collectible insurance and shall apply only when such benefits are exhausted. If an Insured’s Injury or Sickness is due to an act or omission of another, benefits payable by this plan are subject to recovery from amounts eventually paid to the Insured by or on behalf of, the other person. 
DEFINITIONS:"Injury" means: bodily injury: (1) directly and independently caused by specific accident which is unrelated to any pathological, functional, or structural disorder of injury, (2) treated by a Physician within 30 days after the date of accident; and (3) which causes loss during the term of the policy. "Sickness" means: sickness or disease of the insured Person which causes loss and originates while the Insured Person is covered under the policy. All related conditions and recurrent symptoms of the same or a similar condition will be considered one sickness. "Pre-Existing Condition" means: (1) the existence of symptoms within the 6 months (or 12 months for persons 70 and older) immediately prior to the Insured's Effective Date under the policy, or, (2) any condition which originates, is diagnosed, treated or recommended for treatment within the 6 months (or 12 months for persons 70 and older) immediately prior to the Insured's Effective Date under the policy; or (3) congenital conditions. "Usual and Customary Charges" means: a reasonable charge which is: (1) usual and customary when compared with the charges made for similar services and supplies; and (2) made to persons having similar medical conditions in the locality of the Policyholder. No payment will be made under the policy for any expenses incurred which in the judgment of the Company are in excess of Usual and Customary Charges.
PREMIUM RATES PREMIUMS CURRENTLY IN FORCE CAN BE FOUND ON THE CURRENT BROCHURE FOR INBOUND IMMIGRANT An Eligible Person may enroll for periods of coverage ranging from 5 days to 12 months, subject to the following rules: Five days premium is the minimum acceptable premium; twelve month’s premium is the maximum acceptable premium; and the full premium is payable at the time of enrollment. Initial enrollment must occur within 24 months of an Eligible Person’s arrival in the United States. If coverage is initially purchased for a minimum of three months, coverage may be renewed, if available, for additional periods at the premium rate in force at the time of renewal. The maximum total period of coverage for any one Insured Person cannot exceed 60 months.
No benefits will be paid for loss or expense caused by, contributed to, or resulting from: 1) Pre-Existing Conditions; as defined 3) Maximum benefit is reduced to $50,000 for any illness or injury occurring while on an incidental trip to the Insured Person’s Home Country; 4) Routine physical, inoculations or other examinations where there are no objective indications of impairment of normal health, or well baby care; 5) Eye examinations; prescriptions or fitting of eyeglasses and contact lenses; or other treatment for visual defects and problems. "Visual Defects" means any physical defect of the eye which does or can impair normal vision; 6) Hearing examinations or hearing aids; or other treatment for hearing defects and problems. "Hearing Defects" means any physical defect of the ear which does or can impair normal hearing; 7) Dental treatment, except as the result of Injury to Sound, Natural Teeth as stated in the Schedule of Benefits; 8) Professional services rendered by a member of the Insured Person’s immediate family, or anyone who lives with the Insured Person; 9) Services or supplies not necessary for the medical care of the patient’s Injury or Sickness, 10) Weak, strained or flat feet, corns, calluses, or toenails; 11) Cosmetic surgery, or treatment for congenital anomalies (except as specifically provided), except reconstructive surgery as the result of a covered Injury or Sickness. Correction of a deviated nasal septum is considered cosmetic surgery unless it results from a covered Injury or Sickness; 12) Elective surgery and elective treatment; 13) Diagnostic or surgical procedures in connection with infertility unless infertility is a result of a covered Injury or Sickness; 14) Birth control, including surgical procedures and devices; 15) Routine new-born baby care, well-baby nursery and related Physician charges; 16) Participation in professional or intercollegiate athletics; 17) Injury or Sickness for which benefits are paid or payable under any Worker’s Compensation or Occupational Disease Law or Act, or similar legislation; 18) Organ transplants; 19) War or any act of war, declared or undeclared; or while in the armed forces of any country (a pro-rata premium will be refunded upon request for such period not covered); 20) Participation on a riot or civil disorder; commission of or attempt to commit a felony in the country in which it was attempted or committed; 21) Suicide or attempted suicide (including drug overdose) while sane or insane (while sane in Missouri); or intentionally self-inflicted Injury; 22) Charges of an institution, health service, or infirmary for whose service payment is not required in the absence of insurance; 23) Treatment of nervous or mental disorders, except as stated in the Schedule of Benefits, or treatment of alcoholism or drug abuse, except as provided for treatment of mental or nervous disorders, according to the Schedule of Benefits; 24) Loss incurred from riding in any aircraft, other than as a passenger in an aircraft licensed for the transportation of passengers; 25) Treatment, services, supplies or facilities in a Hospital owned or operated by: a) the Veteran’s Administration; or b) a national government or any of its agencies. (This exclusion does not apply to treatment when a charge is made which the Insured is required by law to pay); 26) Duplicate services actually provided by both a certified nurse-midwife and Physician; 27) Expenses payable under any prior policy which was in force for the person making the claim; 28) Expenses incurred during a Hospital emergency room visit which is not of an emergency nature; 29) Expenses incurred for outpatient treatment in connection with the detection or correction by manual or mechanical means of structural imbalance, distortion or subluxation in the human body for purposes of removing nerve interference and the effects thereof, where such interference is the result of or related to distortion, misalignment or subluxation of or in the vertebral column; 30) Medical expense resulting from a motor vehicle accident in excess of that which is payable under any valid and collectible insurance; 31) Voluntary or elective abortion; 32) Expenses covered by any other valid and collectible medical, health or accident insurance; 33) Expenses incurred after the date insurance terminates for an Insured Person except as may be specifically provided; 34) Expenses incurred for injuries resulting from the use of alcohol or intoxicants, or any drugs unless prescribed by a Physician; 35) Sexually transmitted disease, including AIDS. THERE ARE NO BENEFITS PROVIDED FOR THE FOLLOWING: Elective Surgery and Elective Treatment : including but is not limited to surgery and/or treatment for acne; acupuncture; allergy; including allergy testing; alopecia; biofeedback-type services; birth control; breast implants; breast reduction; circumcision; corns, calluses and bunions; cosmetic procedures, except cosmetic surgery required to correct an Injury for which benefits are otherwise payable under the policy; family planning; fertility tests; gynecomatia; hirsutism; impotence, organic or otherwise; infertility (male or female), including any services or supplies rendered for the purpose or with the intent of inducing conception; learning disabilities; nasal and sinus surgery; nicotine addition; nonmalignant warts, moles and lesions; obesity and any condition resulting therefrom (including hernia of any kind); patient controlled anesthesia treatment of a covered Injury; sexual reassignment surgery; skeletal irregularities of one or both jaws, including orthognathia and mandibular retrognathia; sleep disorders, including testing thereof; temporomandibular joint dysfunction, tubal ligation; vasectomy; and weight reduction. Elective surgery and elective treatment includes any service, treatment; or supplies that: 1) are deemed by the company to be researched or experimental; or 2) are not recognized and generally accepted medical practices in the United States.GENERAL PROVISIONS ENTIRE CONTRACT CHANGES: The policy, including the endorsements and attached papers, if any, shall constitute the entire contract between the parties. No agent has authority to change the policy or to waive any of its provisions. No change in the policy shall be valid until approved by an executive officer of the Company and unless such approval be endorsed herein or attached Inbound Immigrant April 2009 - 6 - GLB-9113361-B hereto. Such an endorsement or attachment shall be effective without the consent of the Insured Person but shall be without prejudice to any claim arising prior to its Effective Date. All statements made by the Policyholder will, in the absence of fraud, be deemed representations and not warranties. NOTICE OF CLAIM: Written notice of claim must be given to the company within 20 days after the occurrence or commencement of any loss covered by the policy, or as soon thereafter as is reasonably possible. Notice given by or on behalf of the claimant to the Company or its authorized representatives with information sufficient to identify the claimant shall be deemed notice to the Company. CLAIM FORMS: Upon receipt of a notice of claim, the Company will furnish to the claimant such forms as are usually furnished by it for filing proofs of loss. If such forms are not furnished within 15 days after the giving of such notice the claimant shall be deemed to have complied with the requirements of the policy as to proof of loss upon submitting, within the time fixed in the policy for filing proofs of loss, written proof covering the occurrence, the character and the extent of the loss for which claim is made. PROOF OF LOSS: Written proof of loss must be furnished to the Company at its said office within 90 days after the date of such loss. Failure to furnish such proof within the time required will not invalidate nor reduce any claim if it was not reasonably possible to give proof within such time, provided such proof is furnished as soon as reasonably possible. In no event except in the absence of legal capacity shall written proofs of loss be furnished later than one year from the time proof is otherwise required. TIME OF PAYMENT OF CLAIM: Benefits payable under the policy for any loss other than for loss which the policy provides any periodic payment will be paid immediately upon the Company’s receipt of due written proof of the loss. Subject to the Company’s receipt of due written proof of loss, all accrued benefits for loss for which the policy provides periodic payment will be paid at the expiration of each month during the continuance of the period for which the Company is liable and any balance remaining unpaid upon termination of liability will be paid immediately upon receipt of such proof. PAYMENT OF CLAIMS: Upon receipt of due written proof of death, payment for loss of life of an Insured will be made in accordance with the beneficiary designation and the provisions respecting such payment which may be prescribed herein and effective at the time of payment. If no such beneficiary designation is effective, payment will be made to the Insured’s estate. If an Insured dies before all payments due have been made, the amount still payable will be paid, at the option of the Company, either to such beneficiary or to such estate. Upon receipt of due written proof of loss, payments for all losses, except loss of life, will be made to (or on behalf of, if applicable) the Insured suffering the loss. If any payee is a minor or is not competent to give a valid release for the payment, the payment will be made to the legal guardian of the payee’s property. If the payee has no legal guardian for his or her property, a payment not exceeding $1,000 may be made, at the Company’s option, to any relative by blood or connection by marriage of the payee, who, in the Company’s opinion, has assumed the custody and support of the minor or responsibility for the incompetent person’s affairs. Any payment the Company makes in good faith fully discharges the Company's liability to the extent of the payment made. PHYSICAL EXAMINATION AND AUTOPSY: The Company at its own expense has the right and opportunity to examine the person of any individual whose loss is the basis of claim under the policy when and as often as it may reasonably require during the pendency of the claim and to make an autopsy in case of death where it is not forbidden by law. LEGAL ACTIONS: No action at law or in equity shall be brought to recover on the policy prior to the expiration to 60 days after written proofs of loss have been furnished in accordance with the requirements of the policy. No such action shall be brought after the expiration of 3 years after the time written proofs of loss are required to be furnished. SUBROGATION: The Company shall be subrogated to all rights of recovery which any Insured Person has against any person, firm or corporation to the extent of payments for Benefits made by the company for benefit of an Insured Person. The Insured shall execute and deliver such instruments and papers as may be required and do whatever else is necessary to secure such rights to the Company. RIGHT OF RECOVERY: Payments made by the company which exceed the Covered Medical Expenses (after allowance for Deductible and coinsurance clauses, if any) payable hereunder shall be recoverable by the Company from or among any persons, firms, or corporations who are obligated in respect of any covered Injury or Sickness and their liability may appear. MORE THAN ONE POLICY: Insurance effective at any one time on the Insured person under a like policy, or policies in this Company is limited to the one such policy elected by the Insured Person, his beneficiary or his estate, as the case may be, and the Company will return all premiums paid for all other such policies. CONFORMITY WITH STATE STATUTES: Any provision of the policy which, on its effective date, is in conflict with the statutes of the state in which it was delivered or issued, is hereby amended to conform to the minimum requirements of such statutes. INCONTESTABILITY. The validity of the policy will not be contested after it has been in force for two year(s) from the Policy Effective Date, except as to nonpayment of premiums. ASSIGNMENT. The policy is non-assignable. An Insured may not assign any of his or her rights, privileges or benefits under the policy. MISSTATEMENT OF AGE. If premiums for the Insured are based on age and the Insured has misstated his or her age, there will be a fair adjustment of premiums based on his or her true age. If the benefits for which the Insured is insured are based on age and the Insured has misstated his or her age, there will be an adjustment of said benefit based on his or her true age. The Company may require satisfactory proof of age before paying any claim. WORKERS’ COMPENSATION. The policy is not in lieu of and does not affect any requirements for coverage by any Workers' Compensation Act or similar law Please be aware that this is not a general health insurance policy, but an interim program intended for temporary use. Inbound Immigrant does not guarantee payment to a facility or individual for medical expenses until the Company determines that it is an eligible expense. Refund of Premium What You Will Receive The Insurance Company
Please read the Benefits & Exclusions of this plan carefully before submitting your application. |
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HERE'S THE FINE
PRINT: at the discretion of the insurance companies. This site is updated frequently, but we recommend contacting Sunburst Worldwide Insurance Services directly to be assured of getting the most up-to-date information available. Copyright © 1999-2010 by Sunburst Worldwide Insurance Services. CA Insurance License #0B65721Warning: All of the pages on this site are protected under U.S. and International copyright laws. Reproduction by any means or for any purpose, except as specified on certain pages, is not allowed without the express written permission of the copyright owner.
Bangkok raises security to high alert after recent blasts September 03, 2010BANGKOK : Thailand has put over 460 locations across Bangkok on high alert on Friday in response to a series of grenade attacks that have rattled nerves in a city still under emergency rule after deadly protests. Royal palaces, key government buildings, power plants and public transport will receive special protection from the Centre for Resolution of Emergency Situation (CRES), the body set up to monitor security since unrest in April. Man seriously injured in Bangkok blast August 27, 2010East Asia / Pacific - Thailand A man was injured in a second bomb attack at the same central Bangkok location within a month, police said Friday, as the city remains under emergency rule after deadly anti-government protests. more...
Thousands evacuated after floods in China, N.
Korea
August 21, 2010 Peru plague outbreak kills 1, infects at least 31 August 4, 2010 LIMA, Peru – Peru's health minister says an outbreak of plague has killed a 14-year-old boy and infected at least 31 people in a northern coastal province. MEXICO CITY – Mexico is facing a sort of perfect storm of floods that breed mosquitoes, prompting a big increase in the number of hemorrhagic dengue cases, the country's top epidemiological official said Wednesday. Mexico Ends Swine-Flu Alert After 14 Months July 1, 2010The Mexican government announced on Tuesday the end of the health alert for the AH1N1 flu virus after 14 months in which 1,289 people died in this country and 72,000 cases were registered. . .. South Korea foot-and-mouth outbreak spreads to mainland April 20, 2010SEOUL: South Korea said Tuesday that an outbreak of foot-and-mouth had spread to its mainland from an island west of Seoul despite a mass cull aimed at containing the animal disease.
Thailand's PM declares emergency
April
7, 2010
1,000 Die Of TB In India Every Day, Says WHO
March 25, 2010
Massive earthquake strikes Chile
February 27, 2010 Chile earthquake: Pacific nations brace for tsunami Feb. 27, 2010Santiago's international airport was forced to close, a highway bridge ..."Tsunami waves in the deep ocean travel about the same speed as a jet plane and ...
Brazil Confirms Dengue Epidemic in 5 States
February
20, 2010
Group targets spiked drinks during Games
U.starts aid airdrops
into Haiti
January 19, 2010 Security concerns rise in Haiti's capital as distribution problems continue to hamper the supply of aid to desperate quake survivors. Days after the quake devastated Port-au-Prince, killing tens of thousands, there are some reports of gangs preying on residents and looting. Officials say thousands of prisoners are unaccounted for after the main prison was destroyed. Relief has been arriving, but little has moved beyond the jammed airport.
U.S. lifts HIV/Aids immigration ban
January 4, 2010 Volcanic ash disrupts Puerto Rican flights December 30, 2009 Caribbean air traffic is being snarled by a cloud of volcanic ash floating 10,000 feet above the island of Montserrat, forcing the cancellation of more than 60 flights in Puerto Rico. At least eight U.S. carriers have had their operations affected by the Soufriere volcano, which has been spewing ash for several weeks. China tries to fix crumbling health care system November 30, 2009 China once provided rudimentary but universal care to everyone. But as the country shifted from socialism to a market economy over the past 30 years, health care frayed. Medical costs soared faster than incomes, and treatment today depends on one's ability to pay. Nearly a third of the poor say that health is the most important cause of their poverty, according to the World Health Organization. Flights cancelled as Beijing blanketed in snow November 10, 2009BEIJING - Nearly 70 flights were cancelled and more than 30 delayed at Beijing's airport Tuesday after the second major snow storm of the season blanketed the Chinese capital, airport officials said. Massive security at Asian summit in Thailand October 22, 2009
Thailand has mounted one of its biggest
security operations in recent history with more than 36,000 military and
police to prevent anti-government demonstrators from overrunning a
summit of Asian leaders, an official spokesman said Thursday.
October
19, 2009The Philippines orderes imports of 250,000 tonnes of rice and lawmakers rushed to approve funding for immediate rebuilding of farms and roads badly damaged by two typhoons that killed over 650 people. The Philippines, the world's biggest rice buyer, would hold a tender two months earlier than normal on Oct. 30 for the shipment of the grain, which it wants delivered between January and April, the National Food Authority said. The Philippines turned its focus on Sunday from rescue operations to sending relief to northern provinces devastated by floods and cut off by landslides as the death toll from two typhoons in 14 days rose to more than 600. Using shovels and their bare hands to avoid triggering more landslides, rescue teams kept up a search for bodies in the areas of northern Luzon island that remained isolated. In this statement, the Geneva-based Internal Displacement Monitoring Centre reminds us that up to 400,000 people fled their homes in the south of the Philippines last year to espace from fighting.
East Asia / Pacific, Middle East / N. Africa, South / Central Asia, Sub-Saharan Africa - Australia, Bangladesh, Burma, India, Indonesia, Kenya, Madagascar, Malaysia, Maldives, Mauritius, Mozambique, Oman, Pakistan, Seychelles, Slovakia, Sri Lanka, Tanzania, Timor-Leste Eighteen countries around the Indian Ocean are holding the first region-wide test of a tsunami warning system aimed at saving thousands of lives. China number two in world for rabies deaths East Asia / Pacific - China September 28, 2009BEIJING: China is second only to India worldwide in the number of people killed by rabies every year, the government reported, making the disease one of the nation's biggest public health threats. "China is one of the countries most severely affected by rabies, and in recent years the number of annual reported deaths from rabies has averaged around 2,400," the health ministry said in a statement on its website. "It is only inferior in number to India, and gives us the world's second-place ranking." The statement, issued to coincide with World Rabies Day on Monday, said rabies was among the top three infectious diseases in China. China Bars Foreigners From Making Visits to Tibet September 25, 2009 China has stopped issuing travel documents to foreigners seeking to visit Tibet, according to local tour operators, another indicator of the government’s skittishness over the coming anniversary of the Communist victory in 1949. Argentina Says 337 Flu Deaths Confirmed Aug. 6 , 2009Americas - Argentina A total of 337 deaths from swine flu have been confirmed and a similar number are under review in Argentina, but "it is clear that the number of cases is falling,” a government official said Wednesday. Flu infects 100,000 in past week July 23, 2009The number of new cases of swine flu in the past week has reached an estimated 100,000 in England, the BBC has learnt. Argentina’s Government Says Flu Death Toll at 163 July 22, 2009
Americas - Argentina
At least 163 people have died from the AH1N1 flu virus
in Argentina, making it the country with the second-largest number of
deaths from the disease, Health Minister Juan Manzur said.
South / Central Asia - India
Heavy rains on Tuesday lashed Mumbai inundating low
lying areas and paralysing normal life as river Mithi crossed the danger
mark prompting Vehicles move through a flooded road as heavy rains lash
Mumbai.
Australia swine flu cases hit 400
June 1, 2009Australia's swine flu cases jumped by nearly a third to pass 400 on Monday, making it the Asia-Pacific region's worst-hit country and intensifying a major health emergency. Mexico's health minister revises down the number of suspected swine flu deaths in the country from 176 to 101. Avian Flu Cases in Egypt Raise Alarms April 21, 2009Middle East / N. Africa - Egypt An unusual pattern of avian flu cases in Egypt — almost all are in toddlers, all of whom have survived — has led some flu-tracking Web sites to speculate that dozens of silent cases are circulating there. U.S. Embassy warns Americans to stay sober in Tokyo neighborhood April 10, 2009American men are being surreptitiously drugged as they drink, especially when alone in strip clubs, embassy officials said. While they are unconscious, the perpetrators – including scantily clad women with whom they might be socializing – take their credit cards and run up large bills. Eiffel Tower closes due to strike April 8, 2009PARIS – An official at the Eiffel Tower says the attraction is closed to visitors because of a strike. The official said the tower did not open Wednesday morning and is expected to remain closed all day. She was speaking on condition of anonymity in accordance with the job regulations. It was not immediately clear how many workers were on strike or what their demands were. Argentina Facing Worst-Ever Dengue Outbreak April 5, 2009 BUENOS AIRES – The Argentine government acknowledged on Friday that the outbreak of dengue affecting the country’s northern provinces is the worst in its history, although it stressed that this is not a nationwide epidemic. Lao province at risk of bird flu outbreak March 30, 2009Many areas of Phongsaly province of Laos are at risk of infection from the H5N1 bird flu virus as local people are continuing to bring in poultry and eggs illegally from neighboring countries, the Lao newspaper Vientiane Times reported Monday. 200 feared dead in Indonesian dam burst March 30, 2009It is feared the final death toll from a flash flood in Jakarta caused by a collapsed dam could move past 200. Ninety-eight people are already confirmed dead in the flood in the Indonesian capital, but 132 more cannot be accounted for. McALLEN — The Texas Health and Human Services Commission has banned workers in five state agencies from traveling to Mexico to conduct research or work on binational health programs because of fears of kidnappings and other drug cartel-fueled violence. Death Toll From Dengue Hits 15 in Brazilian State March 15, 2009BRASILIA – The death toll from dengue this year in the Brazilian state of Bahia has risen to 15, health officials said, adding that they were still awaiting the results of tests on 30 other people who died recently. March 11, 2009 Outbreaks of dengue fever have risen in the Asia Pacific region in the past year, killing three times more victims in 2008 than in recent years, says the World Health Organisation (WHO). Chusak Prasittisuk, a dengue specialist with the WHO, says efforts to prevent and control dengue have been constrained due to lack of political commitment, inadequate resources and lack of coordinated efforts. Dengue, the most widespread tropical disease after malaria, is transmitted by mosquitoes. Approximately 2.5 billion people globally are at risk, the majority in Asia Pacific.
East Asia / Pacific -
Thailand British travellers warned of Nørrebro violence March 3, 2009Europe - Denmark The British Foreign & Commonwealth Office has advised travellers to be cautious when visiting areas affected by recent gang violence Vietnam has 54th death from bird flu February 27, 2009HANOI (Reuters) - A 32-year-old Vietnamese man infected with the H5N1 bird flu strain has died in hospital in the capital Hanoi, the World Health Organization (WHO) said on Friday, quoting the health ministry. State Dept. Cites 'Large Firefights' in Travel Alert on Mexico ... February 21, 2009The latest travel advisory for Mexico from the US State Department will certainly not please the ... the travel alert issued Friday reads like the plot of a crime thriller. ... "Recent Mexican army and police confrontations with drug cartels have resembled small-unit combat, with cartels employing automatic weapons and grenades," the advisory reads.. ...
Americas - Mexico
Mexican town on drug-smuggling route left defenseless after police quit
Feb.
20, 2009VILLA AHUMADA, Mexico – For people caught inside Mexico's drug corridors, life is about keeping your head down and watching your back, especially when the sun dips behind the cactus-studded horizon. Marchers block Mexico-US border February 18, 2009Mexico Hundreds of people in Mexico have blocked key crossings into the US in protests against the deployment of the army to fight drug traffickers. Aids is China's deadliest disease February 18, 2009
East Asia / Pacific - China
Chinese officials have said that HIV/Aids was the
leading cause of death last year, compared with other infectious
diseases.
February
9, 2009
A significant earthquake, measuring 6.0 on the Richter scale, occurred Monday near the coast of northern Peru, quake monitors said.The U.S. Geological Survey said the temblor took place at 9:09 a.m. at a depth of 6.2 miles. Its epicenter was 95 miles west of Chiclayo, 470 miles northwest of Lima and 475 miles south-southwest of Quito, Ecuador.CNN and Sky News said there were no immediate reports ... US diplomat expelled from Ecuador February 7, 2009Americas - Ecuador Ecuador's left-wing president has ordered the expulsion of a senior US diplomat, accusing him of suspending aid to Ecuador's anti-drugs programme.Is China Covering up a New Bird Flu Epidemic? February 3, 2009 Certainly there seems to be very strong evidence it is. There have already been eight reported cases of humans contracting the potential deadly H5N1 virus, from which five people have died this year. And despite the fact that Hong Kong officials have been finding dead birds infected with the virus washing up onto its shores in recent days from the mainland, China has not made any official statement concerning an outbreak among birds. http://www.businessweek.com/globalbiz/blog/eyeonasia/archives/2009/02/is_china_coveri.html?campaign_id=rss_blog_asiatech Security providers in Thailand say business is good amid downturn Feb. 02, 2009BANGKOK: Thailand's economic woes continue to deepen due to the gloomy global financial picture and the Kingdom's ongoing political unrest. But security providers said that business is good even in these hard times. http://www.channelnewsasia.com/stories/southeastasia/view/406432/1/.html Floods in southern Brazil kill 12, uproot 3,600 Feb. 02, 2009Australian Broadcasting Corporation Floods have killed 12 people in Brazil's southernmost state Rio Grande do Sul and forced some 3,600 people from their homes, a state emergency coordinator has said. Thailand issues bird flu warningJanuary 18, 2009THAILAND'S Public Health ministry warned yesterday that 14 of its 76 provinces are at risk of bird flu this year, as an official said a cold snap boosted chances of the deadly virus spreading. Somchai ... http://www.bt.com.bn/en/asia_news/2009/01/18/thailand_issues_bird_flu_warning January 17, 2009 BANGKOK: Thailand’s Public Health ministry warned yesterday that 14 of its 76 provinces are at risk of bird flu this year, as an official said a cold snap boosted chances of the deadly virus spreading. http://www.gulf-times.com/site/topics/article.asp?cu_no=2&item_no=267184&version=1&template_id=45&parent_id=25 January 08, 2009 Americas, East Asia / Pacific, Europe, Sub-Saharan Africa - Papua New Guinea, Russia, South Africa, Venezuela The Washington DC-based Foreign Policy publication, in its edition last September, lists Port Moresby alongside Caracas (Venezuela), Cape Town (South Africa), New Orleans (USA) and Moscow (Russia) as cities where you have a very good chance of getting murdered. The Foreign Policy website (www.foreignpolicy.com), on which the listing is still available, says when it comes to brutal, homicidal violence, these five cities stand in a class of their own. http://solomonstarnews.com/index.php?option=com_content&task=view&id=5748&change=71&changeown=79&Itemid=26 Bangkok airports shut down cost Thailand more than Tsunami Jan. 07, 2009Thailandnews.net Melbourne, Jan 7 : Anti-government protests that shut down Bangkok's airports last year have cost Thailand 11.5 billion dollars, much more than loses suffered during the Tsunami or SARS, a central bank study has said. http://www.thailandnews.net/story/450675
East Asia / Pacific - China
June 30, 2007 Sub-Saharan Africa - Kenya May 5, 2007 Kenya Airways plane crashed A Kenya Airways plane that crashed in Cameroon on Saturday has been found submerged in a swamp and there is no chance of any survivors, officials say. Europe - France France opens fastest railway link Mar. 15, 2007 France's fastest rail link to date has been inaugurated with the service's first train travelling from Paris to the east on Thursday afternoon. Trains on the line are set to travel at 320km/h (200mph). The service will open to passengers on 10 June when they will be able to travel further east to other EU states.
Tokyo, Japan: In a move aimed at further thwarting terrorist attacks, passengers on all international flights will be prohibited from bringing aboard liquids in containers larger than 100 milliliters starting Thursday Europe - Russia Explosion in Russian McDonald's Feb. 19, 2007 An explosion at a McDonald's restaurant in the Russian city of St Petersburg has slightly injured six people with concussion and cuts from flying glass.
Americas - Mexico 'Safest city' now has drug war Feb. 16, 2007 Monterrey, Mexico:: An affluent city just two hours from Texas is the newest battleground in a war between drug cartels Sub-Saharan Africa - Guinea Guinea Airport Situation Feb. 14, 2007 This warden message is being issued to update American citizens regarding information on Air France flights out of Guinea. A flight left Guinea for Paris yesterday. We believe Air France will try to operate flights to Paris starting Thursday, February 15 to Sunday February 19, 2007. East Asia / Pacific - Indonesia Bird flu virus kills Indonesian Feb. 9, 2007 West Java, Indonesia A 20-year-old woman in Indonesia who tested positive for bird flu has died, becoming the country's 64th human victim, a health official said
Americas - Brazil SAO PAULO, Brazil (Reuters) -- Slick runways at Brazil's busiest airport will undergo major overhauls this month after officials tried to ban wide-body jets because of fears they could skid off its short landing strips, the airport's authority said Thursday.
East Asia / Pacific - Vietnam Vietnam plans new railway link Feb. 6, 2007 Hanoi: The Vietnamese authorities have approved plans to build a $33bn (£15bn) rail link between the capital, Hanoi, to Ho Chi Minh City in the south. New Thailand airport off to rough start Feb. 2, 2007 BANGKOK, Thailand - The taxiways are cracked, the terminal has leaks and some airlines even wonder whether it's safe to fly into Thailand's new international airport. Australians warned about crime in Caribbean Feb. 2, 2007SYDNEY, Australia: The foreign affairs department said in an official travel advisory that fans needed to be aware of safety issues at the World Cup, to be hosted by six Caribbean nations from March 10 until April 28. "In some parts of the Caribbean, violent crime, including armed robbery, kidnapping and murder is common," the advisory said.
UK Updated
Polonium-210 Information
Jan.
31, 2007
Copyright © 1999-2009 by Sunburst Worldwide Insurance Services. CA Insurance License #0B65721Warning: All of the pages on this site are protected under U.S. and International copyright laws. Reproduction by any means or for any purpose, except as specified on certain pages, is not allowed without the express written permission of the copyright owner.
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